At Income, 2025 was the year we crossed milestones we’ve been working toward since day one and laid the groundwork for what comes next.
Our platform connects retail and institutional investors with fintech-originated loans from partners around the world. It’s a model built on the belief that better access to credit and better returns for investors don’t have to be mutually exclusive. In 2025, that model kept delivering.
Growth That Speaks for Itself
The headline numbers tell a strong story. Active investors on the platform grew to 5,009, up 8.7% from 4,607 in 2024. But the number we’re most proud of is the one that crossed a threshold: total registered investors surpassed 10,000 for the first time. That’s a signal of growing trust, and we don’t take it lightly.
Assets under management (AUM) grew from €19.1 million to €24.8 million, a 30% year-on-year increase, reflecting both higher average investment amounts and the overall maturation of the platform. We also crossed €200 million in cumulative investment volume, a long-term indicator of just how much capital has moved through Income since we launched.
A Stronger Lender Portfolio
Diversity and quality of loan originators matter enormously to us, because they matter to our investors. By year-end, we had 13 active lenders on the platform, and three new partners joined during the year.
Simpleros from Spain launched its first loan listings and quickly scaled to approximately €200,000 in monthly investment volume. Autofino LT from Lithuania signed a framework cooperation agreement and began offering loans on the platform. And Virtus Lending from Kosovo, specializing in financial leasing and consumer loans with an €8.2 million portfolio, joined with car leasing and installment loans at yields of 10–12%.
We also welcomed our first professional institutional investor, i2, following a comprehensive due diligence process. This is a landmark for Income: it validates the platform’s maturity and opens a dedicated channel we plan to build out actively in 2026.
Financial Results: A Clear Direction
Revenue from service fees reached €693,000 in 2025, a 36.7% year-on-year increase. Our net loss for the year was €438,000, down from €613,000 in 2024, a 28.7% improvement. Labor costs came down from €341,000 to €301,000 through cost optimization, while we continued to invest in platform development and customer acquisition.
The result we’re most focused on, though, is this: Income Company OÜ’s equity turned positive for the first time, closing the year at €94,175, compared to -€69,876 at the end of 2024. Our cash position also strengthened significantly, ending the year at €64,320 versus €13,543 twelve months prior.
These numbers reflect a company moving through its growth phase with increasing discipline and getting closer to the profitability threshold with each passing year.
Capital and Subsidiaries
In 2025, we raised approximately €169,000 in total new investment, including €68,963 via the SeedBlink platform and an additional €100,000 from a direct investor. Capital went toward platform development and growth. We also increased share capital from €16,469 to €30,330 through the conversion of shareholder loans in September and November.
We also established Income UK SPV OÜ as a wholly owned subsidiary, registered in Estonia and set up to support cooperation with UK-based loan originators. Expanding our lender portfolio into the UK is a key strategic priority for 2026.
What’s Ahead
In 2026, our focus is on continued aggressive growth in both investor numbers and AUM. That means growing loan volumes with existing partners, attracting new high-quality lenders, and building a dedicated institutional investor channel with the infrastructure and offering to match.
We’re grateful to every investor and partner who has been part of this journey. The trust you’ve placed in the Income platform, reflected in those 10,000+ registrations and €200 million in cumulative volume, is what drives everything we do.
2025 was the year Income came of age. 2026 is where we accelerate.
